Nzira Yokusarudza Bhizinesi ZveHSAs
Kusarudza Vanopa HSA
Munenge chero bhengi chero ipi zvayo kana chikwereti chekwereti chinogona kupa HSAs. Kana uri kufara nemari yemari iwe bhangi uine kare uye unofarira ndiyo nhamba yekutanga pane urongwa hwekutanga, iwe unogona kuwedzera HSA kune ukama hwako huripo.
Zvisinei, pane zvimwe zvikonzero zvinokosha zvokufungisisa usati watanga nhoroondo.
Zvinangwa zvako: kutanga, funga nezvekuti unoronga kushandisa sei kambani. Iwe uchapedza mari yacho gore rega rega here, kana iwe unoronga kubvumira mari yacho kuwedzera pane iyo nguva refu? Kana iwe uchizoipedza sezvazvinosvika, chikwereti chekufarira chaibhadhara paunenge uchigadzirisa chingasave chinhu chikuru. Asi kana nhoroondo iyi ichatsiva kubhadhara mari yako yekurega, nguva refu inodzoka inonyanya kukosha.
Kuwedzera mari: iwe uchapa mipiro here, iwe waunoshandira achazviita, kana iwe mose muchawedzera pombi? Inofanirwa kuva nyore kupa zvipo izvo - kunyanya magetsi - kuitira kuti mari inowanikwa mukodha uye iwe unogona kushandisa mukana webhadharo.
Mitero: inowanzobhadhara mari inoshandiswa pamatare, asi mari inowirirana uye dzimwe nguva inodzingwa nemabhadharo makuru e-akhawunti. Dzimwe nguva, uchawana kambani yekwereti inobhadhara HSAs isina mhindu.
Tsvaga kuti zvinorevei kuchengetedza kambani, uye kuongorora kuti iyo mari inogona kuchinja sei kudzoka kwako. Bhengi inobhadhara 1% yakawanda haifaniri kutarisa kana iyo mari inopfuura kudarika iyo yakawedzera 1%. Zvakare, funga kuti ungashandisa sei kambani yacho, uye tarisa mari yekushandisa mari yacho (kana iwe usati waronga kushandisa mari yacho, hazvinei kuti chii chavanobhadhara pamusi wega wega).
Kushandisa mari yako: kana uchida kushandisa mari kubva kubhuku rako nguva dzose, zviri nyore sei izvozvo? Iwe unowana kadhi yebhadharo kuti uwane mari here, kana kuti iyo inowedzera yakaoma? Makadhi ekubhadharira anobatsira kuti uchengetedze rerekodhi yemagetsi yekuti mari yako inofamba (kunyange iwe uchifanira kuchengetedza nguva dzose mazai) uye vanoita nekukurumidzira kuenda kune hosiyo nyore.
Kushandisa Account yako
Yeuka kuti zvipo zveHSA zvinongowanika apo iwe unobatwa nechirongwa chepamusoro-deductible yehutano (HDHP). Kusiyana nemashandisirwo emari ekushandisa mari (FSAs kana zvirongwa zvekudya), unogona kusiya mari muHSA yako kunze kwekupera kwegore uye urichengetedze apo iwe uchida - hausi "kushandisa kana kurasikirwa nayo." Chii chinowedzera, iyo nhoroondo yako nhoroondo uye haisi kusungirwa kune waunoshandira. Usafunga sokuti unoda kupedza pasi mari usati wasiya basa rako.
Kuti uwane mishonga yakanakisisa yemutero, mari yacho inofanira kuenda kune inodiwa mune zvekurapa, asi pane dzimwe nzira dzokushandisa mari iyo isina kunaka kurapwa.
Kuvhura Account
Kuzarura HSA kwakafanana nekuzarura chero imwe gwaro rebhangi . Iwe unofanirwa kugovera ruzivo pamusoro pako, kusanganisira fomu yeHurumende-yakabudiswa ID. Mabhanji kazhinji haabvunzi kuongorora kweHHHP yako - iyo iri pakati pako ne IRS.
Zvisinei, basa rakadai semipiro uye kugoverwa (kushandiswa uye kuregera) zvinowanzotaurwa kune IRS gore negore.
Mashoko Akakosha
Mitero yemitero yakaoma uye inofanira kuchinja. Tsvaga muongorori wemuteresi wezvemitero maererano nemamiriro ako ega. Kurukura zvinangwa zvako zvekugara kwenguva refu newemari wekugadzirisa mari uine mvumo muhurumende yako usati watanga nhoroondo.